Choosing Between a Ready Home and One Still Being Built Could Make a Big Difference to Your Wallet – Here’s Why

by autowebbed@gmail.com on July 9, 2025

If you’re planning to buy property in Navi Mumbai—whether for living, investing, or renting—you’ll likely face this important question:
Should you go for a ready-to-move home or an under-construction one?

At Santosh Property, we help buyers make smart decisions based on their needs and budgets. And believe us—this choice can directly impact your finances. Here’s how:

✅ Ready-to-Move Properties: Pay Now, Move In Now

These are properties that are fully constructed and available for immediate possession.

Benefits:
• No Waiting
You can move in or rent it out right away—ideal for urgent needs.
• No GST
You save 5% GST because it’s already completed and has an occupancy certificate.
• Transparent Purchase
You see exactly what you’re buying—no surprises.
• Instant Returns
Great for investors who want immediate rental income.

Things to Consider:
• Higher Cost
Ready homes typically come at a premium compared to under-construction ones.
• Full Payment Required
You’ll need to pay the full amount quickly—EMIs start right away if you’re taking a loan.

🏗 Under-Construction Properties: Pay Less, Wait More

These properties are still in the building phase, and possession is expected in the future.

Benefits:
• Lower Prices
You get in early at a lower price, making it perfect for budget buyers.
• Flexible Payment Plans
Builders usually offer slab-wise or milestone-linked payment options.
• High Appreciation Potential
As construction progresses and the area develops, your property value can rise.
• More Choices
Pick your preferred floor, layout, or direction when you book early.

Things to Consider:
• Possession Delays
Some projects may take longer than expected—be prepared.
• GST Applicable
5% GST is levied on under-construction properties, adding to the cost.
• Risk Factor
Always buy from a reputed builder to avoid project delays or quality issues. 🏘 Santosh Property Recommends:
• Choose Ready-to-Move if you want a hassle-free purchase and instant returns.
• Choose Under-Construction if you’re looking for affordable investment options and are okay with waiting.

We especially recommend under-construction projects in growing nodes like Taloja, Ulwe, Dronagiri, where the prices are low now but expected to rise significantly in the next 2–3 years.

👷‍♂ Trusted Advice from Santosh Property

With deep experience in Navi Mumbai’s residential and commercial markets, we guide you through every step—from choosing the right location to verifying builder credentials and getting the best deal.

Looking to invest smartly in Navi Mumbai?
Contact Santosh Property today. We’ll help you find a property that fits your goals and your wallet.